Accidental Death and Dismemberment Insurance
In the United States, accidents are the number one cause of death among people under the age of 44, and the fifth leading cause of death overall according to the National Vital Statistics Report published by the CDC in 2012. Accidental Death & Dismemberment (AD&D) insurance through PAI can help provide added protection for volunteer firefighters and emergency responders.
- Our AD&D coverage includes a Seat Belt Benefit which is an additional 10% of the AD&D benefit up to a maximum of $10,000 that may be payable if an insured person dies as the result of an accident in any vehicle while he or she was wearing a seat belt.
- Volunteer firefighters and emergency responders are covered by our AD&D insurance while performing any activity of their organization, and when they are off duty. Members are covered 24 hours a day for injuries sustained anywhere in the world, and this includes riding as a passenger in any aircraft being used for the transportation of passengers.
In order to provide a quote for our Accidental Death & Dismemberment insurance, we simply need to know how many members the volunteer fire department or emergency service organization would like to cover, as well as the benefit limit (up to a maximum of $500,000).
Application for Insurance
Download our questionnaire to get a free no-obligation quote (PDF). This form can be completed online but must be printed and signed prior to being returned to our office.
The policies and their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy language or your Provident Agency representative for specific provision and details of availability.
Policies are underwritten by Unum Life Insurance Company of America, Portland, Maine and in New York, First Unum Life Insurance Company. These policies are administered by Provident Agency, Inc. and in California, Provident of Pennsylvania Insurance Agency of Pittsburgh, PA.
In addition to Accidental Death and Dismemberment Insurance, please read more about the other insurance products we offer for volunteer firefighters and first responders
Contact our office to learn more about what insurance coverage is available in your area.